Will Insurance Cover Water-Damaged Cars in Heavy Rain?
2 Answers
Here is an introduction to the insurance compensation requirements for water-damaged cars in heavy rain: 1. Auto Damage Insurance: No compensation without auto damage insurance. 2. Annual Inspection: Vehicles without annual inspection will not be compensated. Insurance regulations state that insurance companies only cover qualified and legal vehicles. Below is extended information on purchasing insurance: 1. Purchase Method: Car insurance can be reasonably purchased according to the owner's needs, either at a 4S shop or elsewhere. 2. Car Loan: Generally, when buying a car with a loan, insurance must be purchased at the dealership, and a certain renewal deposit may be charged. 3. Compulsory Insurance: This is a mandatory insurance in China, and all vehicles must purchase this type of insurance. 4. Insurance Items: If the vehicle involved in an accident has third-party liability compulsory insurance, the insurance company will pay the rescue expenses within the liability limit.
I've been driving for over 30 years and encountered many situations with cars flooded in heavy rain. Whether insurance covers water-damaged vehicles mainly depends on whether you've purchased the waterlogging insurance. Compulsory traffic insurance only covers third-party liabilities, not your own vehicle's damage; waterlogging insurance is an add-on to commercial insurance, specifically for engine water ingress or complete vehicle submersion. Without it, repair costs are basically out of pocket. I remember once my car was parked in a low-lying area and got flooded—luckily, I had added waterlogging insurance, and the insurer covered the full cost. During the rainy season, don't park in underground garages or water-prone areas for convenience; choose higher ground for safety. I recommend car owners regularly check their policies to ensure waterlogging coverage is included—don't skimp on small savings only to face big losses. If your car gets flooded, report it to the insurer immediately without delay.